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A commercial vehicle policy is a great way to help protect the small business you've worked so hard to grow. This type of auto insurance helps shield your business from a financial loss when one of your company's cars or trucks is involved in an auto accident. You may be required to purchase a commercial auto insurance policy, but it depends on two things: the laws in Tennessee and the type of business you manage or own.

Commercial auto insurance isn't right for everyone, but you could be eligible for this type of policy if you use your truck or car to do activities related to your business or job. Here are a few situations in which a commercial policy could be right for you: you use your vehicle to haul (or tow a trailer hauling) tools or equipment related to your business, you transport people for a fee, you have employees that drive company-owned cars, or your vehicles are titled in the name of your business.

Here at Direct Auto & Life, we're committed to meeting the unique needs of your small business. While other companies claim that their one-size-fits-all policies will work for you, we don't. Our commercial auto policies can be specially customized to suit your business and your budget. With coverages like Bodily and Property Damage Liability, Uninsured Motorist, Medical Payments, Fire and Theft CAC, and more, you'll find the cost-friendly coverage options you want when you visit your local Direct Auto.

Call 1-877-GO-DIRECT (1-877-463-4732) or stop by your nearest Direct Auto location in Cookeville for a fast and free quote for quality commercial insurance coverage! Our knowledgeable agents can help you understand Tennessee's specific requirements for small businesses and commercial auto insurance in no time!

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Drivers in Tennessee who do not have proper insurance could face a fine of $300. Police officers are legally allowed to have your car immediately towed away if you don’t have proof of insurance. On January 1, 2017, Tennessee implemented a new online insurance verification program. This digital program tracks down drivers who have not purchased valid insurance through their vehicle registration information. Owners without insurance will be unable to renew their vehicle’s registration.